100% Cash Back of your Project Development Costs!

How does it work?

The Home Builder pays a maximum of 6% of the property development costs as tax deductible marketing expenses for the Property Cash Back Program to Equity Business Trust. After Equity Business Trust receives the one off payment of these marketing expenses, the money will be placed into a trust account with one of our Escrow Agents and Investment Managers to purchase Bonded Life Settlement Policies on behalf on the developer. The annual rate of return* is guaranteed 13% and is secured by purchasing Bonded Life Settlement Policies that have been underwritten to the standards of a bonding company. The bonding company, for a bonding premium, is willing to provide a performance bond warranting that should the policy not mature by a specified date, the bonding company will buyout the purchasers' interests in the policy at face value. The return on the investment is typically lower on bonded policies because part of the purchase funds must be utilized to pay the performance bond premium... which is paid in a lump sum at closing.

The principal will earn interest and compound interest** adding to the total amount over the term of the Property Cash Back Program, as indicated on the "100% Cash Back" page, thus ensuring your Cash Back of 100% of your project development costs at maturity.

The home builder has actually no out of pocket expenses as the 6% marketing fee is paid after each sale of units to the end buyers. Even after the developer has sold all units of his project, the Property Cash Back Certificate is still in his possession, allowing him to reclaim up to 100% of the property development costs at maturity.

Is the developer allowed to receive partial or full cash back redemption's?

• YES! Cash Back Certificate holders have the option to receive partial or full cash back redemption's based on the portfolio of Bonded Life Settlement Policies we have purchased. The standard rule is that after a minimum period of 3, 6, 9, 12, 15, 18, 21 or 24 years based on the accumulated value of the Property Cash Back Certificate at the time of their request can be paid in full or partial.

• At the end of the year term the Cash Back Certificate holder receives the exact amount available for payment as stated on his/her guaranteed Property Cash Back Certificate, as long as no early cash back redemption's have been made.

• In case of partial cash back redemption's received by the developer, the remaining balance will be calculated and paid out accordingly.

• The developer has the option to transfer ownership of his/her guaranteed Property Cash Back Certificate to any third party such as an irrevocable trust, in order to enjoy maximum tax benefits and protect his loved ones from unwelcome tax liabilities. It can also be bequeathed in a will.

*Rate of return

This is the annually compounded rate of return you expect from your free Property Cash Back Certificate before taxes. The actual rate of return is largely dependent on the type of investments we select. From January 1970 to December 2004, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately 11.5% per year. During this period, the highest 12-month return was 64%, and the lowest was -39%. Saving accounts at a bank pay as little as 1% or less. It is important to remember that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. However, the Property Cash Back Program is not dependent on stock, bond, or interest markets. Whether the economy slows or recession threatens, the Property Cash Back Program is not affected by uncertain economic times.

**Compound Interest

Interest on an investment's interest, plus previous interest. The more frequently this occurs, the sooner your accumulated interest will generate additional interest. Your Property Cash Back Certificate and the interest on it is being compounded every year on your behalf.

Value of a Property Cash Back Portfolio in 25 years?